Tulia at a glance
- Population: about 4,408, 401st by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 4,477 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 1.5% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 401st of the state's 1,224 Census places (US Census Bureau).
- Size percentile: it is larger than about 67% of the places in Texas (US Census Bureau).
- Coordinates: latitude 34.5379, longitude -101.7744 (US Census Bureau Gazetteer).
- Nearest larger cities: Plainview, TX (24 mi); Canyon, TX (32 mi); Hereford, TX (41 mi); Amarillo, TX (46 mi); Littlefield, TX (53 mi); US Census Bureau population estimates.
- Smaller places close by: Kress, TX (12 mi); Happy, TX (15 mi); Nazareth, TX (19 mi) (US Census Bureau).
What a personal loan costs in Tulia
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Tulia
Each row below is a Texas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas Office of Consumer Credit Commissioner (OCCC) Source says: The OCCC licenses and regulates non-depository lenders in the state of Texas. | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 10% per year maximum; a greater rate is usurious unless otherwise provided by law (Tex. Fin. Code § 302.001) Source says: The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law. | Texas Legislature (Texas Constitution and Statutes) as of 2026-09-16 |
| Payday lending status | Legal via licensed credit access businesses (payday/title-loan brokers); the third-party lender itself is not licensed (Tex. Fin. Code ch. 393) Source says: the credit access business that serves as the broker is the licensee in this regulated industry | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| Small-loan / installment lender licensing | License required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051) Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC. | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
How to compare offers in Tulia
A few practical steps will make the process in Tulia less costly:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Texas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.